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Insufficient funds avanafil online The 15-year FRM is ending this week with an interest rate of 3.53%, up from 3.39% last week, and much higher than last year when the 15-year FRM averaged 2.86%. 5-year adjustable-rate mortgages (ARM) are now averaging 3.26%, up from 3.10% last week, and 2.74% one year ago.